Here is the guide to applying for BMO Visa Infinite Privilege in 2023-2024. Are you looking for how to apply for the BMO Visa Infinite Privilege? Are you in need of a BMO Visa? If so, you've come to the right place. Here is the complete BMO Visa Infinite Privilege Application Process, Eligibility Requirements and How to Apply
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Overview of BMO Visa Infinite Privilege
BMO Visa Infinite Privilege is a premium credit card offered by the Bank of Montreal (BMO) that targets high-income earners and frequent travelers. The card offers a range of benefits, including travel rewards, airport lounge access, travel insurance, concierge service, and luxury hotel benefits. The card also comes with a high annual fee of $499 CAD, which is one of the most expensive credit cards in Canada. BMO Visa Infinite Privilege is designed to appeal to individuals who value luxury perks and travel benefits and are willing to pay for them.
Benefits of BMO Visa Infinite Privilege
BMO Visa Infinite Privilege offers a range of benefits for cardholders, including:
- Travel rewards: Cardholders can earn 3 BMO Rewards points for every $1 spent on travel-related purchases, including flights, hotels, and car rentals, and 1.5 points for every $1 spent on all other purchases.
- Airport lounge access: Cardholders get unlimited access to over 1,000 airport lounges worldwide through Priority Pass, which provides a comfortable and quiet space to relax and work before a flight.
- Travel insurance: The card comes with extensive travel insurance coverage, including emergency medical, trip cancellation/interruption, and baggage insurance.
- Concierge service: Cardholders can access a 24/7 concierge service that can help with travel bookings, restaurant reservations, and other personal errands.
- Luxury hotel benefits: Cardholders can enjoy special perks and amenities at over 900 luxury hotels worldwide, such as room upgrades, free breakfast, and late checkouts.
- Purchase protection: The card offers purchase protection and extended warranty coverage for eligible items purchased with the card.
- Roadside assistance: Cardholders can access emergency roadside assistance services 24/7 in Canada and the United States.
- LoungeKey Airport Experiences: Cardholders can receive discounts on airport dining, retail, and spa services at select airports worldwide.
Overall, BMO Visa Infinite Privilege provides a comprehensive package of benefits and perks that are designed to cater to the needs of frequent travelers who value luxury, convenience, and peace of mind when they are on the go.
Travel rewards and points system
BMO Visa Infinite Privilege offers a robust travel rewards program that allows cardholders to earn points on their purchases and redeem them for travel-related expenses. Here are some details about the travel rewards and points system:
- Points earning: Cardholders earn 3 BMO Rewards points for every $1 spent on travel-related purchases, including flights, hotels, and car rentals, and 1.5 points for every $1 spent on all other purchases.
- Points redemption: Points can be redeemed for travel-related expenses, such as flights, hotels, car rentals, and vacation packages, through the BMO Rewards program. Points can also be used to offset travel purchases made with the card.
- Point value: The value of each point varies depending on how it is redeemed. For example, when points are redeemed for travel purchases, each point is worth $0.01 CAD. However, when points are used to offset travel purchases made with the card, each point is worth $0.007 CAD.
- Points transfer: Points can be transferred to other BMO Rewards accounts, as well as to other loyalty programs, such as AIR MILES and WestJet Rewards, at a 5:1 ratio.
- Points expiration: Points do not expire as long as the cardholder's account is in good standing.
Overall, the travel rewards and points system of BMO Visa Infinite Privilege provides a great incentive for cardholders to use the card for their travel-related expenses, as well as other purchases. The ability to transfer points to other loyalty programs also provides flexibility and options for redemption.
Airport lounge access with Priority Pass
BMO Visa Infinite Privilege offers cardholders unlimited access to over 1,000 airport lounges worldwide through Priority Pass. Here are some details about the airport lounge access benefit:
- Eligibility: As a BMO Visa Infinite Privilege cardholder, you are automatically enrolled in Priority Pass and do not need to pay any additional fees to access the lounges.
- Lounge access: You can access any of the lounges in the Priority Pass network, regardless of the airline you are flying or the class of service you have booked. The lounges offer a comfortable and quiet space to relax, work, and enjoy complimentary food and beverages.
- Guest access: You can bring up to 10 guests with you to the lounge, although some lounges may have restrictions on the number of guests allowed.
- Lounge finder: You can use the Priority Pass app or website to find and locate the lounges in the network.
- Lounge access restrictions: Some lounges may have restrictions on access during peak travel times or may require a reservation in advance. It's recommended to check the lounge details before your travel.
- Lounge access without the physical card: You can also access lounges using the Priority Pass digital membership card through the mobile app.
Overall, airport lounge access with Priority Pass is a valuable benefit of BMO Visa Infinite Privilege that can enhance your travel experience and make your time at the airport more comfortable and enjoyable.
Travel insurance coverage
BMO Visa Infinite Privilege comes with extensive travel insurance coverage that can provide peace of mind for cardholders when traveling. Here are some details about the travel insurance coverage:
- Emergency medical insurance: The card offers up to $2 million CAD in emergency medical insurance for cardholders and their dependents for trips up to 21 days in length.
- Trip cancellation/interruption insurance: The card provides up to $2,500 CAD per person for trip cancellation or interruption due to covered events, such as illness, injury, or other unforeseeable circumstances.
- Baggage insurance: The card offers up to $1,000 CAD in coverage for lost or stolen baggage and personal effects, as well as up to $500 CAD for delayed baggage.
- Flight delay insurance: The card provides up to $500 CAD per person for expenses incurred due to a delayed flight of 6 hours or more.
- Travel accident insurance: The card offers up to $500,000 CAD in coverage for accidental death or dismemberment while traveling on a common carrier.
- Rental car insurance: The card provides coverage for rental cars for up to 48 days in Canada and the United States.
- Other coverage: The card also includes insurance for hotel/motel burglary, common carrier accidental death, and personal effects insurance for up to $2,500 CAD.
It's important to note that some restrictions and limitations may apply to the travel insurance coverage, and it's recommended to review the policy details carefully before traveling to understand the terms and conditions.
Concierge service for cardholders
BMO Visa Infinite Privilege offers a concierge service that is available to cardholders 24/7 to assist with various requests and reservations. Here are some details about the concierge service:
- Services offered: The concierge service can assist with a wide range of requests, including restaurant reservations, travel bookings, event tickets, gift purchases, and more.
- Personalized service: The concierge service provides personalized assistance tailored to the cardholder's preferences and needs.
- Assistance with travel planning: The concierge service can assist with planning travel itineraries, making hotel reservations, and booking transportation.
- Access to exclusive experiences: The concierge service can provide access to exclusive experiences, such as VIP access to events or reservations at high-end restaurants.
- No additional cost: The concierge service is included with the card at no additional cost.
Overall, the concierge service of BMO Visa Infinite Privilege can provide a convenient and personalized service for cardholders, making it easier to plan travel and arrange various reservations and requests.
How To Apply for BMO Visa Infinite Privilege
Application Guide: To apply for BMO Visa Infinite Privilege from the official website, please follow these steps:
Visit the BMO website at https://www.bmo.com/main/personal/credit-cards/bmo-rewards/visa-infinite-privilege.
- Click on the "Apply Now" button on the page.
- Fill out the application form with your personal information, income details, employment information, and other relevant details.
- Review the terms and conditions of the card carefully before submitting your application.
- Once you have submitted your application, BMO will review your application and may ask for additional information or documentation before making a decision.
Here is the direct link to the BMO Visa Infinite Privilege application page: https://www.bmo.com/main/personal/credit-cards/bmo-rewards/visa-infinite-privilege/apply
Please note that the application process may vary depending on the applicant's individual circumstances and BMO's internal policies and procedures. If you have any questions or need assistance with your application, you can contact BMO's customer service team for support.
Frequently asked questions about BMO Visa Infinite Privilege
Here are some frequently asked questions about BMO Visa Infinite Privilege:
What is the annual fee for BMO Visa Infinite Privilege?
Answer: The annual fee for BMO Visa Infinite Privilege is $499 CAD.
What is the earn rate for BMO Rewards points with this card?
Answer: The earn rate for BMO Rewards points with this card is 3 points per dollar on eligible travel, dining, and entertainment purchases, and 2 points per dollar on all other purchases.
What kind of travel insurance coverage is included with this card?
Answer: BMO Visa Infinite Privilege offers a comprehensive travel insurance package that includes coverage for trip cancellation and interruption, emergency medical expenses, and travel accident insurance, among other benefits.
Does this card offer airport lounge access?
Answer: Yes, BMO Visa Infinite Privilege offers unlimited access to over 1,200 Priority Pass airport lounges worldwide.
What kind of concierge services are available to cardholders?
Answer: BMO Visa Infinite Privilege offers a range of concierge services, including travel planning, entertainment ticket booking, and restaurant reservations.
What kind of concierge services are available to cardholders?
Answer: BMO Visa Infinite Privilege offers a range of concierge services, including travel planning, entertainment ticket booking, and restaurant reservations.
What kind of luxury hotel benefits are included with this card?
Answer: BMO Visa Infinite Privilege offers a suite of luxury hotel benefits, including room upgrades, early check-in and late check-out, and complimentary breakfast.
What is the eligibility criteria for this card?
applicants must have a minimum annual income of $150,000 CAD or a minimum household income of $200,000 CAD.
How can I apply for BMO Visa Infinite Privilege?
Answer: You can apply for BMO Visa Infinite Privilege online, by phone, or in-person at a BMO branch.
Are there any additional fees or charges associated with this card?
Answer: Some additional fees and charges may apply, such as foreign transaction fees and cash advance fees. Please review the card's terms and conditions carefully for more information
How can I redeem my BMO Rewards points?
Answer: BMO Rewards points can be redeemed for travel, merchandise, gift cards, and more through the BMO Rewards program. Cardholders can redeem their points online or by calling the BMO Rewards customer service line.